SJCP vs VYM
SanJac Alpha Core Plus Bond ETF vs Vanguard High Dividend Yield ETF
Quick Verdict
VYM has a lower expense ratio. VYM delivered stronger 1-year returns. VYM offers more diversification with 616 holdings.
Side-by-Side Comparison
| Metric | SJCP | VYM | Winner |
|---|---|---|---|
| Expense Ratio | 0.65% | 0.04% | |
| AUM | $8M | $81.6B | |
| Dividend Yield | 3.79% | 2.24% | |
| Holdings | 20 | 616 | |
| YTD Return | +1.58% | +14.66% | |
| 1Y Return | +3.69% | +22.16% | |
| 3Y Return (annualized) | - | +18.72% | |
| 5Y Return (annualized) | - | +12.18% | |
| Volatility (annualized) | 2.1% | 14.6% | |
| Max Drawdown | -2.0% | -58.8% | |
| Fund Family | SanJac Alpha | Vanguard (US) | |
| Category | Fixed Income | Equity | |
| Inception | Sep 9, 2024 | Nov 10, 2006 |
SJCP vs VYM Performance
SanJac Alpha Core Plus Bond ETF (SJCP) is a ETF from SanJac Alpha and Vanguard High Dividend Yield ETF (VYM) is a ETF from Vanguard (US). Over the past year SJCP returned +3.69% while VYM returned +22.16%. Year to date, SJCP is up 1.58% versus a gain of 14.66% for VYM.
Risk: Volatility and Drawdowns
VYM has been the more volatile fund, with annualized monthly volatility of 14.6% compared with 2.1% for SJCP. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -2.0% for SJCP and -58.8% for VYM. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.43. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
SJCP charges 0.65% per year while VYM charges 0.04%. On a $10,000 position that is $65 vs $4 annually, a gap of $61 per year that compounds over a long holding period. On income, SJCP currently yields 3.79% against 2.24% for VYM.
Holdings Overlap
SJCP and VYM share 0 holdings out of 617 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SJCP or VYM?
SJCP has an expense ratio of 0.65% while VYM charges 0.04%. VYM is the cheaper option. On a $10,000 investment, that is $61 per year of difference.
Which performed better, SJCP or VYM?
Over the past year SJCP returned +3.69% vs +22.16% for VYM, so VYM leads on 1-year performance. Over the longest common window we track (2 years), SJCP annualized +4.83% vs +7.01% for VYM. Past performance does not guarantee future results.
Which is riskier, SJCP or VYM?
VYM has been the more volatile fund at 14.6% annualized versus 2.1% for SJCP. Worst drawdown: SJCP -2.0% vs VYM -58.8%.
Should I hold both SJCP and VYM?
SJCP and VYM have a monthly-return correlation of 0.43, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between SJCP and VYM?
SJCP and VYM share 0 common holdings with a 0.0% weight overlap. Combined, they hold 617 unique securities.
Which pays a higher dividend, SJCP or VYM?
SJCP yields 3.79% while VYM yields 2.24%, so SJCP currently pays the higher dividend yield.
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